The Member raises an extremely important point. We are promoting financial inclusion and it's very much a key priority of the Welsh Government, and, of course, Bethan Jenkins was very instrumental in bringing that issue forward as well. We're working very hard with partner organisations though the financial inclusion steering group to take forward the wide range of actions in the delivery plan and we will be reporting back on progress in the next few months.

In terms of bank closures, the Member's absolutely right. We've all been discussing bank closures in our own constituency areas and regions, and a large number of us have raised issues with local bank managers when banks have been earmarked for closure. It's really disappointing, some of the responses that you get about the affected communities and so on. It's worth pointing out that Post Office Counters does provide banking services in some areas, so certainly in my own constituency and in the other two, Gower and Swansea East constituencies, we've had some meetings that have been very useful, together, about how to deal with that. But we continue to be very disappointed about it. 

One of the things that we're also doing is trying to make sure that our digital inclusion plan includes banking online, especially for older people who might be excluded from the online services that are being used largely to replace the high-street services. I don't suggest for one single minute that they are a proper replacement and I know the Member's been pushing hard to keep some of the banks open in her area, as we all have. But it is important that, where the services are being reduced, people can actually properly be enabled in the technology that allows them to continue to bank at home when that's what the issue is, although it doesn't help the small businesses who want to be able to bank cash and so on, which is a huge issue. 

There's also an issue about automated teller machine closures, which I don't know if the Member knows. There's an issue about the amount of money people are paid to run an ATM and how that might be situated, so we are having a look at that to see if there's anything we can do to assist in that regard as well, in terms of ATM availability. There are plenty of places across Wales where you're now having to travel quite a long way just to get cash as well, which is a big problem. 

So, I thank the Member very much for highlighting that important point. We are in some discussion about how we can ameliorate some of the effects of those closures.